Didn't you get those backwards? Or, am I misunderstanding you?
If the desired effect is to say "Quote, I have a million dollars, unquote" and have a million dollars immediately appear, it would seem that your wish is backwards.
Am I overthinking this?

I secretly suspect that all these little stories/fables where magic wishes go wrong are created by the government to teach us at a young age that there's no such thing as a free lunch, and that we need to get off our asses and work for those sunglasses that make toothbrushes invisible.